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Household financial stability - Publications


Perspectives from Main Street: The Impact of COVID-19 on Communities and the Entities Serving Them

This report provides insight into the scope and scale of challenges that U.S. communities are facing amid the COVID-19 pandemic. It summarizes the findings of a nationwide survey of nonprofit organizations, financial institutions, government agencies, and other community organizations. The survey was conducted in early April by the 12 Federal Reserve Banks and the Board of Governors. It saw nearly 3,900 respondents serving urban, suburban, and rural communities.

How small-dollar loan programs can be a big benefit for employees (and their employers)

By providing their workers with access to affordable, low-risk credit, companies could help ease personal financial stresses—and improve their own bottom lines. Read more in this June 2018 article from Community Dividend, an online publication of the Minneapolis Fed.

Demographics of Wealth 2018 Series — Essay No. 2: A Lost Generation? Long-Lasting Wealth Impacts of the Great Recession on Young Families

This second essay in the Center for Household Financial Stability’s 2018 “Demographics of Wealth” series explores the connections between a person’s birth year and measures of their family’s financial well-being, including income and wealth. The essay is based on an analysis of over a quarter-century’s worth of data collected by the Federal Reserve through its Survey of Consumer Finances.

Demographics of Wealth 2018 Series — Essay No. 1: The Financial Returns from College across Generations: Large but Unequal

This first essay in the Center for Household Financial Stability’s 2018 “Demographics of Wealth” series explores the connections between a person’s level of completed education and measures of their family’s financial well-being, including income and wealth. The essay is based on an analysis of over a quarter-century’s worth of data collected by the Federal Reserve through its Survey of Consumer Finances.

Bridges — Winter 2017-2018

Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed’s New Approach to CRA; CRA: An Examiner’s Perspective – Questions to Ask Workforce Development Partners; and more.

Community Pulse (December 2017)

This issue of the Community Pulse presents the findings from our 2017 survey. Amount of/and or access to affordable housing, skill level of local labor force and general poverty were the top three current issues in the fifth district.

5th District Footprint: Debt-to-Income Ratio-Based Mortgage Denials in the Fifth District

In this issue of 5th District Footprint, the Richmond Fed examines the change in the percentage of mortgage denials based on the applicant’s debt-to-income ratio from 2013 to 2014 and from 2014 to 2015.

Concentrated Poverty in the Southeast: A Tale of Two Regions

How have patterns of concentrated poverty changed in the Southeast since the Great Recession? This article previews an Atlanta Fed paper that explores this question. 

Exploring Economic Trends in the Southeast

In September 2015, news headlines touted a large jump in U.S. household incomes. How did states and communities across the Southeast fare? Did they keep up with the national trend? This article uses recent U.S. Census Bureau data to provide a snapshot of the economic well-being of states across the Southeast

Minding the Gaps: Household Financial Stability in the Southeast

This article uses data from the Federal Reserve Board of Governors' 2015 Survey of Household Economics and Decisionmaking, or SHED, to examine the financial well-being of households across the Southeast in the aftermath of the Great Recession.

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